How safe is my money with finpension?

As your funds are invested in securities, they are not exposed to finpension’s bankruptcy risk. The securities are held in trust by finpension, but are not on finpension’s balance sheet. This also applies to fractions of securities. Pursuant to Art. 37d BankA, the securities or shares thereof are segregated by law from the bankruptcy estate and can therefore be regarded as special assets.

Cash balances at finpension are protected up to CHF 100,000 by the deposit guarantee, just like at a bank.